Tool
What does owning really cost in San Francisco?
The purchase price is the start, not the total. This estimator adds up the full monthly picture: mortgage, property tax, HOA, insurance, and a maintenance reserve. Adjust every number to your situation.
| Mortgage (principal & interest) | |
| Property tax | |
| HOA | |
| Insurance | |
| Maintenance reserve | |
| Estimated monthly cost | |
| Down payment cash |
How to use it well
Test scenarios, not certainties: move the rate half a point, raise the maintenance reserve for an unrenovated Victorian, plug in the real HOA dues of a condo you like. The difference between two properties usually lives in these lines, not the list price. Want to run your numbers together? Reach out.
Estimates to shape the conversation, not a quote and not financial advice. Your real property tax rate depends on the property and special districts; mortgage rates change daily; insurance varies by building. Verify every number with your lender, tax advisor, and the city. The 1% annual maintenance reserve is a common starting point for older San Francisco homes.
Want to run your real numbers?
Bring me the property and we'll look at it together, no pressure.